My dead husband is died poor just like everyone else in socialist country with high tax .. Man can never be rich in European country with high tax , he was work so hard all his entire life sometimes 18 hours a day and end up poor . Not mentioned the one left behind should also pay for funeral , pretty ironic how the government sucking out resources of your energy and left nothing behind . You obligated to work 40 years before you entitled for full retirement and that retirement money is just small money that can’t even paid off for down payment to buy a house . When you do Investment, they tax you everything ! Buy sell win lose seller … Borrow money with interest rate .. you be the one who end up misery and the government and banks is the one enjoying it . From poor old woman .